River City Bank is pleased to offer industry-leading merchant payment solutions for our business customers. Here’s a quick look at how we can help your business lower costs, improve security, and streamline payments.
Level 3 Processing: Easy Savings
With Level 3 data, businesses accepting Visa/Mastercard business, commercial, or purchasing cards can reduce processing costs by 60–90 bps. This is ideal for B2B and high-ticket transactions.
Surcharging Now up to 3%
Merchants can legally pass through up to 3% in credit card surcharges. When implemented properly, surcharging can eliminate processing fees, speed up cash flow, and simplify AR—while staying compliant with card-brand rules.
PCI Compliance—Handled for You
We complete PCI compliance in-house for all bank clients, reducing risk, liability, and administrative burden.
Powerful Integrations & Virtual Tools
We integrate with almost all open-source software, ERPs, and shopping carts. Our virtual terminal supports secure card storage, recurring billing, electronic invoicing, payment pages, and advanced anti-fraud features.
Commercial AP & Virtual Cards on the Rise
B2B acceptance of virtual cards is increasing, particularly for large dollar transactions. As an experienced high-ticket processing partner, we understand this expanding payment channel.
Expanded Payment Options
We offer expanded payment options such as text to pay, email links, and QR codes.
